Helvetia Motor third-party liability (Turismo Premium)

Voluntary civil liability coverage up to 50,000,000 EUR per claim – well above the Spanish mandatory minimum – is included as a standard guarantee in the Turismo Premium tier.

Roadside assistance operates from km 0 (home address), with 24-hour Asitur coverage valid in Spain, Europe and Mediterranean countries, including towing up to 150 km, rescue, fuel delivery and professional driver dispatch.

Replacement Category B vehicle provided at no cost for up to 5 days when an accident immobilises the insured vehicle for more than 40 hours, extendable to theft cases.

Driving licence suspension subsidy of up to 300 EUR/month for 6 months upon total loss of licence points, plus coverage of driving re-education course enrolment costs up to 500 EUR.

Driver restrictions

All regular and occasional drivers of the insured vehicle must be declared in the policy. The driver personal accident guarantee does not apply to drivers under 25 years old or with a driving licence of less than 2 years' seniority, unless expressly declared in the Particular Conditions as an occasional driver. Legal defence coverage applies only to the main driver and any authorised driver over 25 years old with more than 2 years' licence seniority. Damage caused by a driver over the legal alcohol limit or under the influence of drugs is excluded from the voluntary guarantees; under compulsory liability Helvetia compensates third parties and may recover the amount from the driver.

Section: Exclusiones Generales de la Póliza

Esta exclusión no afectará cuando concurran conjuntamente estas 3 condiciones... En cualquier caso, el Asegurador tendrá el derecho de repetición contra el conductor.

Claim notification deadline

The insured must notify Helvetia of any accident or covered event within a maximum of 7 days of becoming aware of it, unless the contract specifies a longer period. Notification can be made by telephone through the claims service centre or by completing an accident report at the branch where the policy was taken out. For roadside assistance, the insured must contact Asitur's 24-hour central immediately when the incident occurs. Reimbursement requests for roadside assistance must be submitted within 30 days of the event date.

Bonus-malus rules

The premium is calculated based on risk factors, claims history and the insured's declarations. It is reviewed at each policy renewal period and varies according to claims declared and the insured's responsibility in them, as well as actuarial studies to ensure premium adequacy. No-claims discounts of up to 60% can be obtained after 10 consecutive years without any at-fault claim.

Territorial scope

All coverages apply in Spain, European Economic Area, Gibraltar, Andorra, Monaco, San Marino and Vatican City. Mandatory civil liability also covers countries under the Green Card Convention.